You would have to be an extremely dirty person, to develop a "cheese like clump of semen developed under the foreskin", basically, you would have to let your load dribble out, never wipe it away, never shower, and keep ejaculating many times a day to let this develop. If it actually did, I would be more worried about serious health risks due to being very un kept rather than a clump of jizz. I've seen foreskin that is basically encumbering of the entire head of the penis, and then some, mine only comes down about halfway or so on the tip during my normal day because my dick has blood flow to it. Now when I work out hard, or I'm on heavy stimulants, it shrinks more than it would normally and with no blood flow the foreskin totally encases the head. But its as natural as taking your penis out, to retract what little foreskin you have to and slide it behind the head while one urinates, etc. So its on average, no more dirty than a cut penis. As a child with foreskin, you quickly learn to slide your foreskin back while urinating and cleaning, for one with foreskin infront of the tip, when you urine, the fluids flow through skin folds and the stream is unpredictable. So it's a very natural thing to learn when one is still very young, to keep that area clear and clean.
The only real difference is appearance while completely soft, and un touched, and that it makes sexual intercourse a bit more enjoyable, due to even less friction as the organ goes in and out of the vagina, the extra skin allows for movement of the hard insides even if the outside is in virtually a stand still. I've never had a woman complain, and have had a handful telling me its simply an easier process with me, than the men they have slept with before that where cut. That is all... It's more so a difference in the start, when the vagina is producing the smallest amount of natural lubricant, rather than while you've been going and it's practically dripping out with each thrust.
